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How To Get a PNB Credit Card

Last updated: October 25, 2022

Written by: Alyssa Divina | Reviewed by: Rafael Hular

Key takeaways:

  • A PNB credit card is one of the easiest credit cards to get here in the Philippines.
  • It’s a good card to consider if you’re just starting to build your credit history.
  • Compared with other banks, you can get a PNB credit card even with a minimum monthly salary of ₱10,000.
  • There are restrictions on age, income, and other reasons for refusal. In this case, Digido loan will help you.

About PNB

Established on July 22, 1916, the Philippine National Bank (or PNB for short) is one of the country’s biggest universal banks. At first, it was established to provide financial services and support the country’s agricultural sector, granting farmers loans at 8-10% interest rate per annum.

From its humble beginnings, it has since evolved into a behemoth in the Philippine banking industry. It offers savings accounts, loans, credit cards, insurance, investment and corporate banking services to millions of Filipinos nationwide.

You can simply walk into a PNB branch for your financial needs, or if you’re on-the-go, you can check your transactions through the PNB app on your gadget.

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 Types of PNB credit cards

The PNB currently offers nine types of credit credit cards. Here, we will group the cards according to the card issuer. These are:

PNB Mastercard

✦PNB Ze-Lo Mastercard

✦PNB Essentials Mastercard

✦PNB Platinum Mastercard

✦PNB Cart Mastercard

✦PNB-PAL Mabuhay Miles World Mastercard

✦PNB-PAL Mabuhay Miles Platinum

✦PNB-PAL Mabuhay Miles NOW Mastercard

PNB Visa

✦PNB Visa Classic

✦PNB Visa Gold

PNB UnionPay

✦PNB Diamond UnionPay

Co-branded cards

✦PNB-La Salle Green Hills (PNB-LSGH) Alumni Association Platinum Mastercard

✦PNB Jewelmer Joaillerie Platinum Mastercard

✦PNB The Travel Club Mastercard

Note that the PNB credit card limit may vary, depending on your monthly income and interest rate set by the bank.

If you’re interested in any of the cards mentioned above, you can go to a PNB branch near you or opt for a PNB credit card application online at You may also call the PNB credit card hotline at (+632) 8818 9818 if you have other concerns.

→ Learn Can I Get a Bad Credit Loan at Digido?

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Requirements for a PNB credit card

To qualify for a PNB credit card, here are the general requirements that you must meet:

  1. 21 to 65 years old
  2. Filipino citizen and a resident of the Philippines
  3. Employed as a regular employee for at least 1 year, or a self-employed employee for at least 2 years
  4. Gross annual income must be at least ₱120,000

Here are the general documents that you need to submit:

  1. Application form
  2. Government-issued photo ID or company ID
  3. Driver’s license
  4. Passport
  5. SSS ID
  6. TIN ID
  7. UMID ID

If you’re a regular employee:

  • Certificate employment indicating your date of hiring, position and gross income, or
  • Latest income tax return, or
  • Latest three month payslips

If you’re self-employed:

  • Latest audited financial statements, or
  • Latest income tax return, or
  • Copy of registration papers with the DTI or SEC

The bank requires that you fill out an application form, either by going to a branch or by downloading a copy online. Alternatively, you can apply for a credit card online through the PNB Account Access Portal .


  • How can I check my PNB application status?
    You can check the status of your credit card application by calling the PNB hotline at (+632) 8818 9818.
  • Where can I conduct a PNB online balance inquiry?
    You can do so via the PNB Digital app or through the PNB Internet Banking website.
  • What is the interest rate of a PNB credit card?
    PNB credit card interest rates range from 2% to 3.25%.
  • Does PNB accept online applications? How can I process PNB credit card application online?
    Yes. If you want to apply for a PNB credit card online, go to their Account Access Portal
  • Is there a PNB online app?
    Yes. You can download the PNB Digital app on your Android or iOs smartphone.
  • I lost my PNB credit card. What should I do?
    If you lost your credit card, report it to PNB immediately through the customer care hotline at (+632) 8818 9818 or domestic toll-free hotline at 1800 10 818 9818.

→ Learn more about Urgent Cash Loans For Unemployed

PNB credit card application step-by-step

You must be wondering already: how to apply for a credit card in PNB?

We’re going to show you how you can apply for a PNB credit card, step-by-step.

  1. Make sure that you meet the general criteria. You can find the list above.
  2. Prepare the required documents. The requirements include a government ID or company ID, proof of employment or self-employment, and the application form.
  3. If you don’t have a copy of the application form, you can go to your nearest PNB branch or download a copy online. You can also go to the PNB Account Access portal to process your PNB credit card application online.
  4. Submit the application form and the requirements. The bank will evaluate your application based on the documents you submitted. If you’re interested in the PNB online application, you can upload your documents on the Account Access Portal.
  5. You will receive a notification if your application has been approved or denied. If you want to check your PNB credit card application status, contact the bank at (+632) 8818 9818.

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 5000 pesos in your bank account
We don't require guarantors representation, documentation, or guarantee deposits.
The service is fully automated

→ Also read all about Digido loan app for easy cash

PNB credit card promos and benefits

With a PNB credit card, you unlock a world full of promos and benefits not just from the bank but also from your favorite merchants and services.


For example, with the PNB Ze-Lo Mastercard, you get low interest fees, zero annual fees forever plus no late payment fees! You can swipe and swipe your card without all the hassle!

Still not convinced? Here are some of the other benefits of the PNB Ze-Lo Mastercard:

✦Free annual fee for life for supplemental PNB cards

✦No overlimit fees

✦Up to 30% cash advance from PNB and BancNet ATMs in the Philippines

✦E-statements of account and pay your bill through the PNB Digital app

As we have already listed above, PNB offers a multitude of Mastercard, Visa and UnionPay cards. We’re going to list some of them here along with their perks and benefits.

PNB Essentials Mastercard

With the PNB Essentials Mastercard, you gain flexible rewards points for your Cash Credits and Mabuhay Miles every time you shop and dine using your card!

✦0% installment up to 24 months when you shop from PNB partner merchants!

✦Balance transfer and convert your credit limit to cash

✦Free annual fee for all your PNB-issued supplementary credit cars

✦Card Protect for your security

PNB Visa Classic

Do you want a card that “pays you back?” Then the PNB Visa Classic is the perfect credit card for you!

✦Low annual fees

✦Get 1% rebate on your revolved interest

✦Cash advance up to 30% of your credit limit

✦Free annual fees on PNB supplementary credit cards

→ Also learn more about fast student loan online

PNB-PAL Mabuhay Miles NOW Mastercard

The perfect card if you have been itching to pack your bags and travel around the world! With the PNB-PAL Mabuhay Miles NOW Mastercard, you earn rewards points and get to redeem Mabuhay Miles for 1 point = 1 mile!

✦Get exclusive PAL discount all year-round plus 1,000 Mabuhay Miles welcome gift

✦Free annual fee for the first three years

✦Free annual fee forever for your supplementary PNB CCs

✦Pay for your bill in pesos even for international transactions

PNB Diamond UnionPay

Do you want to fulfill your lifelong dream of traveling around Asia? With the PNB Diamond UnionPay card, you get rewards points AND travel and medical concierge service with World Assist!

✦Discounts from UnionPay TravelMate Asia partner merchants

✦Points for Cash Credits and Mabuhay Miles

✦Single or dual currency billing

✦Global and online acceptance

But that’s not all! You can earn 3% rebates when you use your PNB Mastercard, PNB Visa card or PNB UnionPay card to gas up at Caltex stations! Perfect for your road trips with family or friends!

To summarize, here are the main benefits of some of the PNB credit cards available.

PNB Ze-Lo Mastercard Zero annual fee

No late payment fees

No overlimit fees

1.88% finance charge

Lower minimum amount due

Free annual fee for all PNB supplementary CCs

Pay your bills in peso even for international transactions

Contactless payments and global acceptance

PNB Essentials Mastercard Cash Credits and Mabuhay Miles rewards points

Card Protect for a secure shopping experience

Free annual fee forever for all supplementary PNB CCs

Pay your bills in peso

Contactless payments & global acceptance

PNB Visa Classic Low annual fee

1% rebate on your revolved interest

Card Protect for secure shopping

Free annual fee for PNB supplementary CCs

Pay your bill in peso

Contactless payment and global acceptance

PNB-PAL Mabuhay Miles NOW Mastercard Free annual fee for first 3 years

Rewards points

Redeem Mabuhay Miles at 1 point = 1 mile

1,000 Mabuhay Miles welcome gift

Exclusive year-round PAL discount

Free annual fee for PNB supplementary CCs

Pay your bill in peso

Contactless payment & accepted globally

PNB Diamond UnionPay Discounts from UnionPay TravelMate Asia affiliated merchants

Cash Credits and Mabuhay Miles rewards points

Travel & medical concierge service from TravelAssist

Free annual fee for all supplementary PNB CCs

Single or dual currency billing

Accepted globally & contactless payment

PNB credit card reviews

Some PNB credit cards are recommended for beginners because of their low barriers to entry and low to no annual fees.

For example, the PNB Classic Visa offers a low 2% interest rate plus travel and purchase protection insurance at a low annual fee of ₱300! It only requires a minimum monthly income of ₱10,000, so if you want to start building your credit history, then this card is the one for you!

On the other hand, PNB Ze-Lo Mastercard has free annual fees for life and only 2% interest rate – all with a minimum monthly income requirement of ₱10,000! The only downside to this is you are required to have an existing credit card in order to qualify. This may not be for you if you’re looking for a beginner card, but can be an ideal backup card.

PNB also offers credit cards for the quintessential traveler: the PNB-PAL Mabuhay Miles NOW Mastercard, PNB-PAL Mabuhay Miles Platinum Mastercard, PNB-PAL Mabuhay Miles World Mastercard, and PNB Diamond UnionPay. You can earn rewards and travel points with these cards and they also come with additional perks that can help you while you’re traveling.

Why was my PNB credit card application not approved?

You may find yourself being denied a PNB credit card. It may be because you did not meet the age or monthly income requirement. You may have been declined because your employment documents are not in order, or your credit history is bad or nonexistent.

Don’t worry, no need to lose sleep over what you did wrong. It happens to the best of us.

But if you find yourself without a credit card, you can apply for quick cash loans from Digido! In just five minutes, you can get a minimum loan amount of ₱1,000 and a maximum of ₱25,000. You have a higher chance of getting approved because you only need to present 1 valid ID and your employment details!

If you don’t have a credit card yet, download the Digido app for your fast credit now!

Apply now

Digido Reviews

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Written by: Alyssa Divina

Author pages:
Alyssa Divina pens blog articles about a wide range of topics, such as money matters and government transactions in the Philippines. Prior to joining Digido Finance Corp., she served as a journalist for Charlton Media Group, a business news magazine, for two years. She holds a degree in Journalism from the University of the Philippines Diliman.

Reviewed by: Rafael Hular

Author pages:
Rafael “Raffy” L. Hular is, the Finance and Accounting Manager. of Digido Finance Corp., monitoring and controlling the flow of cash that comes in and out of the company to meet the company’s business needs, preparing the financial reports and analysis of income and expenses, and monitoring tax compliance.  Raffy loves reading Japanese comics called manga and watching Japanese animated cartoon series. He dreams of establishing his own Accounting and Auditing Firm and teaching in a University.